Home > Riverside National Bank of Florida > Performance and Condition Ratios
Riverside National Bank of Florida, Performance and Condition Ratios
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6328% | 6,459 |
| Cost of funding earning assets | 2.1662% | 659 |
| Net interest margin | 2.4667% | 7,495 |
| Noninterest income to average assets | 0.8470% | 1,824 |
| Noninterest expense to average assets | 2.9428% | 3,895 |
| Loan and lease loss provision to assets | 2.2190% | 484 |
| Net operating income to assets | -2.0712% | 7,477 |
| Return on assets (ROA) | -2.2178% | 7,513 |
| Pretax return on assets | -2.2099% | 7,462 |
| Return on Equity (ROE) | 1,414.3152% | 2 |
| Retained earnings to average equity (ytd only) | 1,414.3152% | 2 |
| Net charge-offs to loans | 4.9131% | 250 |
| Credit loss provision to net charge-offs | 81.7957% | 3,834 |
| Earnings coverage of net charge-offs (x) | 0.0574% | 4,990 |
| Efficiency ratio | 94.1624% | 1,125 |
| Assets per employee ($millions) | 4.1540% | 3,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6789% | 228 |
| Loan loss allowance to noncurrent loans | 35.8192% | 5,988 |
| Noncurrent assets plus other real estate owned to assets | 10.2559% | 378 |
| Noncurrent loans to loans | 13.0625% | 250 |
| Net loans and leases to total assets | 51.0244% | 6,375 |
| Net loans and leases to deposits | 63.5600% | 6,102 |
| Net loans and leases to core deposits | 75.8337% | 5,280 |
| Total domestic deposits to total assets | 80.2776% | 5,695 |
| Equity capital to assets | -0.1306% | 7,919 |
| Core capital (leverage) ratio | 2.1356% | 7,879 |
| Tier 1 risk-based capital ratio | 3.0286% | 7,876 |
| Total risk-based capital ratio | 4.3064% | 7,878 |
| Memoranda: | ||
| Average total assets | $3,394,548,500 | 232 |
| Average earning assets | $3,098,396,000 | 225 |
| Average equity | $-5,323,000 | 7,932 |
| Average total loans | $1,874,325,500 | 268 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2007% | 5,650 |
| Cost of funding earning assets | 2.4498% | 1,157 |
| Net interest margin | 2.7509% | 7,140 |
| Noninterest income to average assets | 0.8679% | 2,089 |
| Noninterest expense to average assets | 3.3406% | 2,875 |
| Loan and lease loss provision to assets | 3.6892% | 404 |
| Net operating income to assets | -3.0824% | 7,415 |
| Return on assets (ROA) | -3.6865% | 7,557 |
| Pretax return on assets | -4.3684% | 7,615 |
| Return on Equity (ROE) | -352.6668% | 8,009 |
| Retained earnings to average equity (ytd only) | -352.6668% | 8,009 |
| Net charge-offs to loans | 5.2434% | 227 |
| Credit loss provision to net charge-offs | 113.9042% | 4,808 |
| Earnings coverage of net charge-offs (x) | 0.0123% | 6,181 |
| Efficiency ratio | 98.0296% | 1,211 |
| Assets per employee ($millions) | 4.1865% | 3,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6166% | 227 |
| Loan loss allowance to noncurrent loans | 36.4540% | 6,004 |
| Noncurrent assets plus other real estate owned to assets | 10.0012% | 369 |
| Noncurrent loans to loans | 12.6641% | 255 |
| Net loans and leases to total assets | 54.2749% | 6,173 |
| Net loans and leases to deposits | 67.6345% | 5,875 |
| Net loans and leases to core deposits | 86.7451% | 5,449 |
| Total domestic deposits to total assets | 80.2474% | 5,603 |
| Equity capital to assets | -0.1830% | 7,998 |
| Core capital (leverage) ratio | 2.6567% | 7,925 |
| Tier 1 risk-based capital ratio | 3.6613% | 7,922 |
| Total risk-based capital ratio | 4.9397% | 7,923 |
| Memoranda: | ||
| Average total assets | $3,550,644,000 | 224 |
| Average earning assets | $3,242,986,600 | 218 |
| Average equity | $37,115,200 | 1,810 |
| Average total loans | $2,193,259,200 | 239 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3577% | 5,138 |
| Cost of funding earning assets | 2.5008% | 1,298 |
| Net interest margin | 2.8569% | 6,948 |
| Noninterest income to average assets | 0.9194% | 1,906 |
| Noninterest expense to average assets | 3.5135% | 2,248 |
| Loan and lease loss provision to assets | 4.1404% | 277 |
| Net operating income to assets | -4.1127% | 7,763 |
| Return on assets (ROA) | -4.9870% | 7,841 |
| Pretax return on assets | -4.9984% | 7,810 |
| Return on Equity (ROE) | -373.3426% | 8,090 |
| Retained earnings to average equity (ytd only) | -373.3426% | 8,090 |
| Net charge-offs to loans | 5.0333% | 225 |
| Credit loss provision to net charge-offs | 130.7331% | 3,827 |
| Earnings coverage of net charge-offs (x) | 0.0051% | 6,059 |
| Efficiency ratio | 98.7656% | 1,124 |
| Assets per employee ($millions) | 4.1342% | 3,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8334% | 155 |
| Loan loss allowance to noncurrent loans | 41.3653% | 5,574 |
| Noncurrent assets plus other real estate owned to assets | 9.8672% | 352 |
| Noncurrent loans to loans | 11.6848% | 291 |
| Net loans and leases to total assets | 56.4943% | 6,091 |
| Net loans and leases to deposits | 70.4506% | 5,856 |
| Net loans and leases to core deposits | 90.0430% | 5,427 |
| Total domestic deposits to total assets | 80.1900% | 5,367 |
| Equity capital to assets | 0.1982% | 8,082 |
| Core capital (leverage) ratio | 2.4392% | 8,041 |
| Tier 1 risk-based capital ratio | 3.1701% | 8,043 |
| Total risk-based capital ratio | 4.4507% | 8,047 |
| Memoranda: | ||
| Average total assets | $3,589,485,250 | 230 |
| Average earning assets | $3,279,721,500 | 224 |
| Average equity | $47,947,250 | 1,424 |
| Average total loans | $2,258,580,000 | 245 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5025% | 4,614 |
| Cost of funding earning assets | 2.5056% | 1,593 |
| Net interest margin | 2.9969% | 6,561 |
| Noninterest income to average assets | 0.2312% | 6,630 |
| Noninterest expense to average assets | 3.0065% | 4,061 |
| Loan and lease loss provision to assets | 3.6695% | 368 |
| Net operating income to assets | -3.6852% | 7,786 |
| Return on assets (ROA) | -4.5135% | 7,891 |
| Pretax return on assets | -4.5349% | 7,814 |
| Return on Equity (ROE) | -265.8829% | 8,163 |
| Retained earnings to average equity (ytd only) | -265.8829% | 8,163 |
| Net charge-offs to loans | 3.9857% | 353 |
| Credit loss provision to net charge-offs | 143.7337% | 3,227 |
| Earnings coverage of net charge-offs (x) | -0.0145% | 5,708 |
| Efficiency ratio | 100.3246% | 1,160 |
| Assets per employee ($millions) | 3.9802% | 3,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2570% | 212 |
| Loan loss allowance to noncurrent loans | 60.1732% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 6.7675% | 651 |
| Noncurrent loans to loans | 7.0745% | 679 |
| Net loans and leases to total assets | 60.6414% | 5,575 |
| Net loans and leases to deposits | 76.2738% | 5,126 |
| Net loans and leases to core deposits | 92.8801% | 5,254 |
| Total domestic deposits to total assets | 79.5049% | 5,645 |
| Equity capital to assets | 1.0134% | 8,159 |
| Core capital (leverage) ratio | 3.8094% | 8,103 |
| Tier 1 risk-based capital ratio | 4.7639% | 8,106 |
| Total risk-based capital ratio | 6.0388% | 8,109 |
| Memoranda: | ||
| Average total assets | $3,631,149,330 | 234 |
| Average earning assets | $3,317,841,670 | 230 |
| Average equity | $61,640,670 | 1,106 |
| Average total loans | $2,325,890,330 | 246 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5285% | 4,762 |
| Cost of funding earning assets | 2.5588% | 1,708 |
| Net interest margin | 2.9697% | 6,555 |
| Noninterest income to average assets | 0.8758% | 1,954 |
| Noninterest expense to average assets | 2.6360% | 5,293 |
| Loan and lease loss provision to assets | 4.2471% | 214 |
| Net operating income to assets | -3.2025% | 7,872 |
| Return on assets (ROA) | -3.1356% | 7,867 |
| Pretax return on assets | -3.2252% | 7,798 |
| Return on Equity (ROE) | -155.4646% | 8,182 |
| Retained earnings to average equity (ytd only) | -155.4646% | 8,180 |
| Net charge-offs to loans | 3.6160% | 336 |
| Credit loss provision to net charge-offs | 182.4142% | 2,384 |
| Earnings coverage of net charge-offs (x) | 0.4093% | 4,660 |
| Efficiency ratio | 72.7016% | 4,060 |
| Assets per employee ($millions) | 4.0743% | 3,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9088% | 239 |
| Loan loss allowance to noncurrent loans | 56.7629% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 6.5613% | 558 |
| Noncurrent loans to loans | 6.8862% | 596 |
| Net loans and leases to total assets | 62.2536% | 5,278 |
| Net loans and leases to deposits | 78.0486% | 4,915 |
| Net loans and leases to core deposits | 92.9936% | 5,261 |
| Total domestic deposits to total assets | 79.7626% | 5,448 |
| Equity capital to assets | 1.5503% | 8,223 |
| Core capital (leverage) ratio | 4.5333% | 8,147 |
| Tier 1 risk-based capital ratio | 5.7304% | 8,152 |
| Total risk-based capital ratio | 7.0024% | 8,155 |
| Memoranda: | ||
| Average total assets | $3,713,348,000 | 232 |
| Average earning assets | $3,392,527,500 | 229 |
| Average equity | $74,895,500 | 890 |
| Average total loans | $2,390,955,500 | 243 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2802% | 4,070 |
| Cost of funding earning assets | 2.9184% | 2,183 |
| Net interest margin | 3.3618% | 5,811 |
| Noninterest income to average assets | 0.3532% | 5,904 |
| Noninterest expense to average assets | 3.2989% | 2,963 |
| Loan and lease loss provision to assets | 2.1021% | 556 |
| Net operating income to assets | -1.8780% | 7,578 |
| Return on assets (ROA) | -3.2324% | 7,852 |
| Pretax return on assets | -3.4094% | 7,792 |
| Return on Equity (ROE) | -51.7695% | 8,163 |
| Retained earnings to average equity (ytd only) | -61.7423% | 8,198 |
| Net charge-offs to loans | 1.6661% | 668 |
| Credit loss provision to net charge-offs | 208.1962% | 2,328 |
| Earnings coverage of net charge-offs (x) | 0.1173% | 6,177 |
| Efficiency ratio | 68.3374% | 4,666 |
| Assets per employee ($millions) | 4.0222% | 3,463 |
| Cash dividends to net income (ytd only)* | -19.2639% | 7,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9832% | 439 |
| Loan loss allowance to noncurrent loans | 63.5451% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 3.9895% | 1,030 |
| Noncurrent loans to loans | 4.6946% | 991 |
| Net loans and leases to total assets | 62.1055% | 5,614 |
| Net loans and leases to deposits | 81.1613% | 4,847 |
| Net loans and leases to core deposits | 96.3600% | 5,222 |
| Total domestic deposits to total assets | 76.5210% | 6,116 |
| Equity capital to assets | 2.4544% | 8,280 |
| Core capital (leverage) ratio | 4.9907% | 8,212 |
| Tier 1 risk-based capital ratio | 7.3625% | 8,144 |
| Total risk-based capital ratio | 8.6303% | 8,162 |
| Memoranda: | ||
| Average total assets | $4,295,857,000 | 200 |
| Average earning assets | $3,915,441,200 | 195 |
| Average equity | $268,229,600 | 290 |
| Average total loans | $2,603,341,200 | 223 |